Investment Climate in and

Investment Climate in Jammu and Kashmir

Contents

Economic and Demographic Profile 1 Economic Profile 1 Demographic Profile 2 Physical Infrastructure 2 Power 2 Roads 3 Railways 4 Airports 4 Telecom 4 Social Infrastructure 4 Health 4 Education 4 Industrial Profile 5 Land Availability 6 Industrial Land 6 Agricultural Land 6 Manpower Availability 7 State Policies and Incentives 7 Investments in the State 7 Looking Ahead 8 Annexure : Policies 9

• All data is at constant (2004-05) prices unless explicitly stated otherwise • GSDP stands for Gross State Domestic Product • CSO data accessed on 18 October, 2012 EXECUTIVE SUMMARY

Jammu and Kashmir is blessed with enchanting natural beauty with its towering snow-capped mountains, green meadows, placid lakes and lush green forests. The state also has rich resources of water, agro-resources, forests,’ herbal plants and minerals. Tourism and agro-based activities are the mainstay of the economy and offer tremendous investment potential.

Advantage Jammu & Kashmir :

• Immense tourism potential in the state, given its breathtaking natural beauty and spiritual tourism destinations • With a favourable climate for growing a wide variety of fruits, the state holds immense potential in horticulture, both in processing and related infrastructure • Vast export potential in handicrafts with more than 80 percent contributed by carpets and woolen shawls • Famous for small-scale and cottage industries such as carpet weaving, silks, shawls, basketry, pottery, copper and silverware, paper-mâché and walnut wood • Skilled weavers provide a basis for setting up of textile units • Emphasis on non renewable sources of energy with enabling policy framework like Policy for Development of Micro/Mini hydro-power Projects 2011 and Solar Power Policy 2010 • Untapped hydro-power potential of more than 20,000 MW • Endowed with rich deposits of coal, lignite, limestone, gypsum, bauxite, magnetite etc • State provides dust free environment, ideal for manufacturing of printed circuit board, assembly of precision parts, etc • Ongoing mega project of laying 345 km Jammu--Katra-Quazigund-- railway line to build connectivity through difficult mountain terrain • Many fiscal incentives available to industry under the Central Special Package 2002 and the Industrial Policy 2004 1

Economic & Demographic Profile

Economic profile The state’s economy has shown visible growth during recent The services sector occupies a predominant place in the state’s years. The GSDP has increased to Rs 410 billion in 2011-12 from economy contributing 53.6 percent to GSDP followed by industry Rs 273 billion in 2004-05 registering a CAGR of 6.0 percent.1 at 25.9 percent and agriculture & allied at 20.5 percent.

Figure 1: Growth of GSDP of Jammu & Kashmir Figure 3 : Contribution of different sectors towards the economy of Jammu & Kashmir

500 8

6.5 6.5 2004-05 6.4 6.2 2004-05 2011-12 6.0 400 5.8 362 410 6 326 347 385 306 289 300 28.1 20.5 4.5 4 28.1

In billion 200 In percentIn 43.7 43.7 2 53.6 100 25.9 28.2 28.2 0 0 06 07 08 09 10 11 12 ------

2005 2006 2007 2008 2009 2010 2011 Agriculture Industry Services Agriculture Industry Services Agriculture Industry Services Source: CSO Source: CSO

Figure 2 : Key Economic facts

Key Economic Indicator (2011-12) Value

GSDP Rs 410 billion Growth in GSDP 6.5 percent Per capita income Rs 29,195 National Per Capita Income Rs 37,851

Source: CSO

1 CSO 2

Demographic profile Physical Infrastructure

The total population of Jammu and Kashmir is 12.5 million and Power the population density stands at 124 per sq km.2 The state has a total installed power generation capacity of 2,356 Figure 4 : Key Demographic Indicators MW which includes 1,094 MW under state utilities and 1,262 Key indicators Value MW under central utilities. Of the total installed capacity, the contributions from various sources are3: Population 12.5 million • Hydro power – 65.3 percent Population size (Males) 6.6 million • Thermal power – 25.9 percent Population size (Females) 5.9 million • Renewable Energy sources – 5.5 percent Population size (Urban) 3.4 million • Nuclear power – 3.3 percent Population size (Rural) 9.1 million Figure 5 : Peak demand – peak supply position in the state Density of population (persons per 124 sq km) Literacy rate 68.7 percent Male literacy rate 78.3 percent Female literacy rate 58.0 percent Sex ratio (females per 1000 males) 883

Source: Census 2011 (Provisional)

Source: CEA

2 Census 2011 (Provisional) 3 CEA, August 2012; including allocated shares in joint and central sector utilities 3

To address the growing demand for power, the state proposes Figure 7 : Road Network in the state to augment generation capacity. 3,100 MW of new generation capacity is envisaged in the 12th plan (2012-2017). Road Type Road Length (in km) Figure 6 : Upcoming Power Projects National Highways 1,245 Project Name Sector Capacity (MW) Total road length maintained by Public 26,711 Works Department Uri-II Central 240 Source: www.nhai.org/statewise1.asp ; Economic Survey, Jammu and Kashmir, 2011-12 Sewa-II Central 120

Nimo Bazgo Central 45 Key initiatives to augment the road infrastructure in the state include 5: Chutak Central 44 Baglihar Stage-II State 450 • Four-laning of NH1A from Jammu to Srinagar • Construction of 2 major tunnels on National Highway at Nashri Kud (8.5 km long) and at - (9.2 km long) Source: Jammu & Kashmir State Power Development Corporation Ltd • Feasibility study for ring roads in Jammu and Srinagar being commissioned The state government is focusing on renewable energy. Some of • Proposal for construction of tunnels taken up with the initiatives include setting up of 8 district level Energy Parks; Government of an 8 MW wind power project at Bidda () has been submitted » 5.50 km Singhpora Vailoo Tunnel to the Ministry of New and Renewable Energy, Government » 4 k m Lolab Bandipora Tunnel of India, for sanction and installation of solar power plants at » 5 km tunnel from Chatapani to Zaznar on 200 institutional locations including health and educational » 5 km tunnel at Chhattar-gala of Basohli- Bani- institutions. Road • 84 km long Mughal Road connecting with through to be completed by March Roads 2013.

Roads form the backbone of the transport network in Jammu & 4 Kashmir, a state dominated by an undulating topography. The Economic Survey, Jammu and Kashmir, 2011-12 5 Economic Survey, Jammu and Kashmir, 2011- 12 total road length maintained by the state’s Public Works (R & B) department is 26,711 km4. The road density is 39.5 km per 100 sq km. Given its strategic location, the central government has accorded a high priority to the development and upgradation of the state’s vital road network. Photo : www.dailyexcelsior.com 4

Railways Social Infrastructure

Jammu & Kashmir has an existing railway network of only 256 km Health owing to its hilly terrain. A 345 km long railway line is planned to connect the Kashmir valley with the rail network of the country. Jammu & Kashmir has a network of 3,319 health institutions in This line, Jammu – Udhampur –Katra – Quazigund-Srinagar- the primary and secondary healthcare sector. This includes 20 Baramulla railway line, is the biggest ever mountain railway District Hospitals, 86 Sub District Hospitals/Community Health project in the history of independent India.6 The project has been Centres (CHCs)/Trauma Hospitals, 650 Primary Health Centres sub divided into three sections – Udhampur – Katra (25 km); Katra (PHCs) & Allopathic Dispensaries and 2,474 Sub Centres/Medical – Qazigund (148 km); Qazigund – Baramulla (119km). The first Aid Centres besides 89 others9. phase of the project between Qazigund and Banihal involving Figure 9 : Key health infrastructure an 11 km long tunnel through the Pir Panjal range is expected to be commissioned soon. The entire project is expected to be Institutions Number completed by 2017-18. District Hospitals 20

Sub District Hospitals/CHCs/Trauma 86 Airports Hospitals PHCs/ Allopathic Dispensaries 650 State has 3 airports - Srinagar, Leh and Jammu. Srinagar airport, Sub Centres/Medical Aid Centres 2, 474 Sheikh-ul-Alam airport, has been upgraded to an international airport. Jammu and Leh airports are also being upgraded. Srinagar Total Bed strength (Tertiary care hospitals) 4,863 beds Airport recorded passenger traffic of 1.6 million in 2011-12, while Source: Economic Survey Report, Jammu and Kashmir, 2011- 12 7 Jammu reported 888,595 passengers. Another airport at Kargil Figure 10 : Key health indicators headquarters has been connected by short-haul service. Key Indicator Value To promote tourism in the state, a proposal for air taxi services between Katra-Bhaderwah is also under consideration. Birth Rate* 18.3 Death Rate* 5.7 Infant Mortality Rate** 43 Telecom Source: Sample Registration System December 2011 Note: * per 1000 population Jammu & Kashmir has 6.5 million subscribers. The teledensity in ** per 1000 live births the state is 54.8 percent.8 Figure 8 : Key Telecom facts for the State Education Key Indicator Value Education is a high priority area for the state government. The Total subscribers 6.5 million state provides free education to students up to the university Wireless subscribers 6.3 million level. Seasonal schools have been opened for people in the hilly areas and for the under-privileged. Wireline subscribers 0.2 million

Total teledensity 54.8 The state has 23,454 government schools, including 14,453 primary schools; 6,976 middle schools; 1,418 high schools and 607 Urban teledensity 119.5 higher secondary schools, besides 4,728 private schools. Rural teledensity 30.8 The state has 95 government degree colleges. Some of the Source: The Indian Telecom Services Performance Indicators prestigious higher education institutions include: (January-March 2012), Telecom Regularity Authority of India (TRAI) • National Institute of Technology, Srinagar Wireless and wireline service providers in the state include : • Shri Mata Vaishno Devi University, Katra • Islamic University of Science & Technology, • Bharat Sanchar Nigam Limited (BSNL) • Baba Ghulam Shah Badhshah University, Rajouri • Airtel • Sher-e-Kashmir University of Agricultural Sciences & • Vodafone Technology, Srinagar • IDEA • , Jammu • Aircel • , Srinagar • Tata Teleservices • Reliance Communications

6 Economic Survey Report, Jammu and Kashmir, 2011- 12 7 Traffic News, March 2012, Airport Authority of India 8 The Indian Telecom Services Performance Indicators (January-March 2012), Telecom Regularity Authority of India 9 Economic Survey, Jammu Kashmir, 2011- 12 5

Industrial Profile

Jammu & Kashmir State Industrial Development Corporation is The tourism industry is one of the major contributors to the the nodal agency for promotion and development of medium state’s economy. About 13.1 million tourists visited Jammu & and large-scale industries in the state. These industries are mostly Kashmir during 2011.11 Besides scenic beauty the state is also a in the state public sector with a few units under the control of popular pilgrimage centre. World famous tourist attractions in the Central Government. Post the announcement of the Central the state include Chashma Shahi Springs, Shalimar Bagh, the Package 2002 and the State Industrial Policy, 2004, more than 175 , , , , Ladakh, and Patnitop. large and medium units have been set up in the state mobilizing Jammu is famous for its temples while Kashmir valley is known investments of about Rs 54 billion and generating employment for its scenic beauty. The Ladakh festival in September and the for 39,000 youth10. 1,170 small scale units have been formally Sindhu Darshan in June are popular events celebrated annually. registered as per Annual Plan 2012-13. In order to promote the sector, the Government of Jammu and The thrust areas identified by the state government include food Kashmir has declared tourism as an industry and granted a processing and agro-based industries, auto ancillaries, precision number of concessions and incentives. The Government of India engineering, computer hardware and electronics, mineral has agreed in principle to sanction 3 mega tourism projects, 1 exploration, eco-tourism, silk, handicrafts and leather goods. each in Jammu, Kashmir and Ladakh. The state government on its part has undertaken major restructuring of its Department of The diverse agro-climatic conditions of the state offer a great Tourism including creation of two separate directorates one each potential for growing a variety of fruits, such as apple, almond, for Jammu division and besides creation of 15 mango, litchi, cherry, apricot, plum, kiwi, olive, citrus etc. The new development authorities for major tourist destinations.12 overall production of fruit in the state was 2.2 million metric tonnes in 2010-11. Apple is the leading fruit of the state, with The cement industry has significant potential in Jammu & Jammu & Kashmir accounting for 57 percent of the national Kashmir. Kashmir has about 3,500 million tonnes of limestone produce of apples. The state is the 6th largest producer of walnuts reserves - the raw material for manufacturing cement. In terms of globaly and among the few places in the world where saffron can quality, this limestone is one of the best in the entire world. be cultivated. Tehsil () is famous for its high- grade saffron. The total production of saffron in 2010-11 was 80 The state’s exports comprise fruits and handicraft products. It quintals. is a leading exporter of pashmina and raffle shawls which are recognised the world over. Export of fruit outside the state during To promote horticulture, the state government is proposing to 2010-11 was 1 million metric tonnes which is 48.9 percent of total set up mega food parks and operationalising the International fruit production in the state. The value of export of handicraft Trade Centre at Pampore. It also proposes to add 2,000 tubewells products was Rs 10 billion during 2010-1113. over the 12th plan (2012-17) creating an additional cultivable command area of 40,000 hectare. The key sectors in the state include tourism, handicrafts, cement, horticulture, sericulture and hydro power. The state’s vast climatic conditions are favourable for a variety of flowers, leading to scope for floriculture. Asia’s largest “Tulip Garden” established by State Floriculture Department also acts as a major tourist attraction.

Jammu and Kashmir offers skilled workforce for delicate handicraft items, ethnic products including carpet, embroidery, wood carving, fur & leather, woolen shawls, wood work, straw, willow and grass work, nomad crafts, ornaments, painting, stone craft, metal work, pottery etc. Carpet, embroidery and papier mache contribute significantly to employment generation and handicrafts output in the state. Kashmiri silk carpets are famous world over and earn substantial foreign exchange. Wood from Kashmir, popularly known as Kashmir willow, is also used to make high-quality cricket bats.

10 https://www.jandkplanning.com/index.php?option=com_content&view=article&id=2282&Itemid=281&lang=en&limitstart=8 11 http://tourism.gov.in/writereaddata/CMSPagePicture/file/marketresearch/New/Figures.pdf 12 Economic Survey of Jammu & Kashmir, 2011-12 13 Economic Survey of Jammu & Kashmir, 2011- 12 6

Land Availability

Industrial Land Agricultural Land The state has 52 existing industrial estates under the purview of the Directorate of Industries and Commerce and State Industrial The total geographical area of the state is 222,236 sq km. Net Development Corporation/Small Scale Industries Development sown area accounts for maximum area under a particular land use Corporation Limited. In addition, 979 acres of land is being type followed by forest land put to non-agricultural uses, barren acquired for setting up 10 new industrial estates as well as to land, permanent pastures and other grazing land in the state. expanding the existing industrial estates in various districts of the Out of 1.2 million hectares of gross area sown; only 522 thousand state. hectares (43.6 per cent) were irrigated during the year 2010-1115. Industrial areas of the state include:

• Electronic complex and software technology park at Rangreth • Khamoh industrial complex, Zainakote and Zakura industrial

estates, and Samba; Gangyal industrial estate, Bari

Brahmna industrial complex at Jammu; Industrial growth

centre and export promotion industrial park at Kartholi at

Jammu; Integrated infrastructure development project at

Udhampur • Textile park at • Agri processing for apple at Srinagar and agri-processing zone

for walnut at Jammu

The 12th Five Year Plan proposes establishment of land bank for industrial estates and upgradation of Infrastructure at existing industrial areas.14

14 www.pppinindia.com/infrastructure-jammu-kashmir.php; http://planningcommission.nic.in/plans/stateplan/Presentations12_13/Jammu1607.pdf 15 Economic Survey, Jammu Kashmir, 2011- 12 7

Figure 11 : Land Utilization Pattern

Year Net Sown Area Gross Sown Area Gross Irrigated Area

Per Capita(Ha) Per Capita (Ha) Total Per Capita (Ha)

Jammu 378.56 0.071 715.90 0.12 202.00 28.2

2010-2011 Kashmir 350.00 0.05 492.00 0.07 325.00 66.1

Total 728.56 0.121 1,207.90 0.19 527.00 94.3 Jammu 378.56 0.071 730.00 0.12 202.00 27.7

2011-2012 Kashmir 350.00 0.05 493.00 0.07 325.00 66.1

Total 728.56 0.121 1,223.00 0.19 527.00 93.7

Source: Economic Survey, Jammu and Kashmir, 2011- 12

Manpower Availability State Policies and Incentives

The state is actively working towards improving the quality of In order to attract investment into the various sectors of the state human capital. Currently, the state has 38 ITIs/ITCs with seating and contribute to the development of the economy as a whole, capacity of 4,197. the Government of Jammu and Kashmir has made several policy announcements. These policies have provided a roadmap for Figure 12 : ITIs/ITCs (January 2012) bolstering the industrial climate of the state and removed various road blocks which curtailed the industrial expansion. These policy Institutes Numbers documents also encompass investment incentives and schemes for the investors. Number of 37 Government ITIs Please refer to Annexure for details on the policies. Seating Capacity 4,087 Number of Private ITCs 1 Single Window Clearance Mechanism Seating Capacity 110 With the objective of facilitating clearances for a new Total ITIs/ITCs 38 entrepreneur, a Single Window Clearance System has been set up. Total Seating Capacity 4,197

Source: Directorate General of Employment & Training, Ministry of Labour & Employment, Government of India Investment in the State To increase the employability of its youth, the state government The state received industrial investment proposals amounting has undertaken following initiatives16: to Rs 165.3 billion during the period August 1991 to May 2012. During the year 2011 the state has attracted investment • Skill Employment and Empowerment Scheme: A placement- intentions of Rs 15.2 billion. linked, market driven skill training programme under PPP with Figure 13 : Investment Intentions in the state an outlay of 2.6 billion will be implemented to benefit 50,000 to 1,00,000 youth over the next few years Proposed Share of state in Proposed Numbers Northern Region Year Investment Employment • Special Industry Initiative under PPP for enhancing the skills Filed (Rs billion) proposed investments (Numbers) (percent) and employability of 40,000 youth in the next few years 2009 23 12.2 2.3 10,785 • A special scholarship scheme with an outlay of Rs 12 billion to benefit 25,000 students for general, engineering and medical 2010 23 12.3 1.7 3,417 studies over a period of 5 years 2011 21 15.2 1.5 10,567

• Indira Gandhi National Open University (IGNOU) proposes to 2012(May) 12 6.3 2.6 1,143

launch two Regional Placement Centers (RPC) one each in Source: SIA Statistics, Department of Industrial Policy and Promotion, Ministry of Commerce Srinagar and Jammu & Industry Note: Investment in terms of Industrial Entrepreneur Memoranda (IEMs) filed, Letters of • The state government has also launched an interactive online Intent (LOIs) issued and Direct Industrial Licenses (DILs) issued portal named Udaan, which aims at disseminating job Northern Region includes the states of Delhi, Haryana, Himachal Pradesh, Jammu & opportunities for 40,000 youth from the state Kashmir, Punjab, Rajasthan, Uttar Pradesh, Uttarakhand and UT Chandigarh

16 http://pib.nic.in/newsite/erelease.aspx?relid=72572 8

LOOKING AHEAD

The breathtaking beauty of the state and Some of the focus areas of the state its climate, which is favourable for growing government include food processing and a wide variety of fruits and flowers, make agro-based industries, auto ancillaries, Jammu & Kashmir an attractive destination precision engineering, computer hardware for tourism and agro-based industries, and electronics, mineral exploration, specially horticulture and floriculture. The eco-tourism, silk, handicrafts and leather state has a significant mineral resource goods. base especially limestone, a key ingredient The natural resources, coupled with fiscal for the cement industry. incentives, and the focus of the state Hydel power is another key area. The government on improving industrial state has an estimated hydro power infrastructure, augmenting power potential of 20,000 MW and is keen to generation and skill development make attract investments in this sector through Jammu & Kashmir an attractive investment its Policy for Development of Micro/Mini destination. Hydro Power Projects 2011.Solar energy is another focus area which holds potential. The state offers many fiscal incentives to the industry under the Central Package 2002 and the State Industrial Policy, 2004. These incentives have attracted investments to the tune of Rs 54 billion. 9

Annexure: Policies

Jammu & Kashmir Industrial Policy-200417 Industrial Policy 2004 has been implemented to accomplish sustainable industrial development and to enhance attractive fiscal incentive.

Key features:

• To achieve sustainable industrial development in all regions for increasing the rate of growth, value of output, employment, income

and overall economic development of the State

• To strive towards balanced economic and social development in all regions of the State by promoting industrialization particularly

of the industrially backwards areas

• To encourage and sustain the cottage and tiny industrial sector with low investment, is able to provide employment to a large

number of people in the state

• To create a supportive environment with transparency and easy access in information technology and financial resources

• To revive potentially viable sick industrial units so as to put to optimum use the capital and other resources already employed in

such enterprises

• To promote the growth of thrust and export-oriented industries and encourage high-tech and knowledgeable based industries

including information technology

• To take necessary steps in the field of Human Resources Development to make available skilled / technical manpower as per the

needs of industry

Policy for Development of Micro/Mini Hydro Power Projects 201118 The main objective of this policy is to attract investors for the development of the state’s water resources in an environment friendly manner to provide a solution to the energy problems in remote and hilly areas where extension of grid system is un-economical or un-viable. This will also help in generating revenue for the state and provide employment avenues, in addition to the all round development of the region.

Key features:

• No entry tax will be levied by the state government on power generation/transmission equipment and building material used for

Micro Hydro \ Power (MHPs)

• The government land if required, for power projects shall be allotted on lease for 40 years at a premium of Re 1 per sq. m. However,

in case of non availability of government land, the land required shall be acquired by Science & Technology/ Jammu and Kashmir

Energy Development Agency (JAKEDA)/ Ladakh Renewable Energy Development Agency (LREDA) and leased out to the

Independent Power Producers (IPP)

• Mortgage deed in favor of the financing institutions required to be signed by the promoters shall be exempted from payment of

stamp duty

• Exemption from court fee for registration of documents relating to lease of land will be granted to the IPPs

• 10 percent subsidy on capital investment subject to the ceiling of Rs 6 million shall be given in addition to the central subsidy for

the power projects from 1 MW to 2 MW after successful installation & commissioning of the project

• Royalty at 12 percent shall be charged after the period of 10 years from the date of commissioning of the hydel projects up to

2 MW capacity

• IPP will be eligible for central financial assistance as per the standing guidelines of Ministry of New and Renewable Energy (MNRE),

Government of India

• The projects awarded under this policy shall be exempted from the “water user charges” for a period of 10 years from the

Commercial Operation Date (COD)

17 www.jksidco.org 18 jakeda.nic.in/Policy%20for%20Micro-Mini%20Hydro%20Power.doc 10

Solar Power Policy for Jammu & Kashmir 201019

The challenges of climate change and global warming continuously threaten the world community. The Government of Jammu & Kashmir has taken note of the growing recognition of impact of climate change at the local, national and global levels. The government recognizes the urgent need to tackle challenges that arise on account of these impacts through integrated policy prescriptions and programmes aimed at mitigation of impacts and adaptation to reduce vulnerability of systems. The government is also cognizant of the cross-cutting nature of impacts with enormous cost implications for tackling them and that these costs could escalate if preventive action is not taken immediately. Key features/benefits of the policy are:

• Promoting generation of green and clean power in the state using solar energy

• To put in place an appropriate investment climate, that could leverage the Clean Development Mechanism (CDM)

• Productive use of the wastelands, thereby fostering a socio-economic transformation.

• Employment generation and skill enhancement of local youth

• Promotion of R&D and facilitation of technology transfer

• Establish core technical competence in professionals in the state to initiate and sustain use and effective management of newer

energy applications

• Creation of environmental consciousness among citizens

Jammu & Kashmir IT Policy 200420 The state government is aware of the enormous potential of IT in the economic development of the state. This policy aims to facilitate the creation of a sound IT production base in the state through conscious efforts and policy initiatives. Key features:

• Use IT in the process of government functioning to bring about Simple, Moral, Accountable, Responsive and Transparent (SMART)

governance to its citizens

• Use IT effectively in industries especially where the state has competitive advantages, for making such industries global and help

them to generate additional revenues

• Encourage the local industries to become web-enabled and attract IT companies from the world and rest of the country

• Encourage the use of Information Technology in schools, colleges and educational institutions so as to enable students to improve

their skills, knowledge and job prospects

• Accelerate the investment and growth in IT hardware, software, Internet, training, IT enabled services, telecom, e-commerce and

related sectors in the state

• Utilize the power of IT in the overall goal of improving healthcare; empowering women, rural and tribal communities as well as

economically weaker sections of society

• Use Information Technology for generating additional employment for the new digital economy

• Provide adequate infrastructure in the state, so that the IT sector can flourish and provide better quality of life to the citizens

• Facilitate localization of software so that benefits of IT could percolate not only in the English language, but also in the local

languages

• Use IT for heralding world class e-Tourism in the state

• Bring the specialized treatment to the remotest area of the state through telemedicine

• Use IT to boost trade and commerce in areas of traditional strength of the state such as handlooms, handicrafts and horticulture

19 http://india.gov.in/allimpfrms/alldocs/15606.pdf 20 http://india.gov.in/allimpfrms/alldocs/8946.pdf This report has been made by KPMG in India for CII.

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